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Free Planning Tools

Know Your Numbers — Before You Call

Three independent calculators to map your full financial picture. Run each one separately — your results will guide the conversation with your advisor.

Enter your monthly household income and expenses to see your surplus or deficit, a full expense breakdown with charts, and a balance sheet health check — with tailored recommendations.

Monthly income
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Monthly expenses
Housing
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Utilities
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Food
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Transportation
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Health & Insurance
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Family & Education
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Debt Payments
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Personal & Lifestyle
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Savings & Investments
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Other
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Total monthly income
$—
Total monthly expenses
$—
Net monthly position
$—
% of income used on expenses—
Expense breakdown
Income vs expenses

The DIME method is a widely used approach to estimating life insurance need — covering Debt, Income replacement, Mortgage, and Education.

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Your DIME breakdown
$—
Recommended coverage amount
Debt (D)—
Income replacement (I)—
Mortgage (M)—
Education (E)—
DIME total—
Minus existing coverage—
Coverage gap—
Ready to close this gap?Book your free strategy session with a licensed advisor.Book my free strategy session
Educational estimate only. Actual needs vary by situation. Consult a licensed advisor for a personalized analysis.

Your Financial Independence Number (FIN) is the nest egg needed so your savings fund your desired retirement income for life.

Formula: (Desired monthly income − SS/Pension) × 12 × Years in retirement

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Your financial independence number
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Total nest egg required
Monthly income gap (income − SS)—
Annual income gap (× 12)—
Capital needed — FIN (× years)—
Current retirement savings—
Savings gap—
An IUL or annuity may help close this gap.Tax-advantaged growth potential, downside protection, and lifetime income options.Build my retirement plan
Uses the capital depletion method and does not account for investment growth or inflation. A licensed advisor can build your precise retirement plan.